40 To help achieve these homeownership goals, we’ve developed a comprehensive five-pillar strategy: • Mirror the communities we serv e by recruiting, hiring, and retaining diverse talent . • Be present in the mark ets we serve — physically, virtually, and through marketing and outreach . Across the country, we’re hiring community home mortgage consultants to establish a greater presence in key diverse and LMI communities . • Dev elop relationships with key stakeholders and organizations . For example, the National Association of Real Estate Brokers, National Association for the Advancement of Colored People, and National Urban League publicly joined Wells Fargo to announce our $60 billion commitment to Black and African American homeownership . • Develop products, programs, and policies intended to promote growth in traditionally underserved markets . In 2016, we launched yourFirst Mor tgage®, a home loan program that offers a down payment of as little as 3% for fixed-rate mortgages, as well as lower out-of-pocket costs, expanded credit criteria, and incentives for homebuyer education . • Dev elop and advance housing policy positions designed to increase access to affordable housing . NeighborhoodLIFT ®, a signature Wells Fargo homeownership initiative we executed in collaboration with NeighborW orks® America and its network members, creates pathways to homeownership through homebuyer education and down payment assistance grants . We aim to achieve these goals while maintaining our focus on fair and responsible lending . Community Reinvestment Act Wells Fargo Bank, N .A . received a rating of “Outstanding” in its most recent Community Reinvestment Act (CRA) performance evaluation, which covered the years 2012 to 2018 . The CRA was established by the U .S . Congress in 1977 . Under the CRA, the Office of the Comptroller of the Currency (OCC) assesses a national bank’s record of helping to meet the credit needs of its entire community, including LMI neighborhoods . The current performance evaluation (PDF) noted that Wells Fargo is “a leader in making community development loans,” and cited our “significant use of innovative and/or flexible loan products” to meet credit needs . The performance evaluation also noted that our retail banking options are accessible in a majority of the areas surveyed and that we serve our customers through full-service ATMs, phone banking, online and mobile banking, and mobile payments . Supporting small businesses We have a long history of being a strong partner to the small business community, which we support through a variety of deposit, lending, investment, and payment products . Through Wells Fargo Works® for Small Business , we provide resources, tools, guidance, and insights for small businesses, including: • Business planning – complimentary resources and tools to help create or revise business plans, understand financial basics, and streamline company operations . • Marketing – essential marketing resources including market research, marketing tactics, sales methods, and tips to measure return on investment . Performance trends can be found in the Wells Fargo ESG Goals and Performance Data (PDF) .